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FinWise (FINW)
NASDAQ:FINW
FINW Stock Chart & Stats
$16.24
$0.10(0.59%)
At close: 4:00 PM EST
$16.24
$0.10(0.59%)
Day’s Range― - ―
52-Week Range$13.49 - $22.49
Previous CloseN/A
Volume1.18K
Average Volume (3M)16.72K
Market Cap
$220.65M
Enterprise Value$212.98M
Total Cash (Recent Filing)$39.84M
Total Debt (Recent Filing)$4.41M
Price to Earnings (P/E)14.8
Beta0.64
Next Earnings
Apr 23, 2026EPS Estimate
0.35Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.27
Shares Outstanding13,586,921
10 Day Avg. Volume14,165
30 Day Avg. Volume16,716
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.19
Price to Sales (P/S)1.52
P/FCF Ratio0.00
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue1.41
Enterprise Value/Gross Profit2.32
Enterprise Value/Ebitda8.38
Forecast
1Y Price Target
$20.00Price Target Upside23.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.66
Revenue Forecast (FY)$245.20M
Bulls Say, Bears Say
Bulls Say
Loan Originations GrowthSustained high-originations expand interest-earning assets and support long-term NII growth. A persistent origination engine underpins scalable revenue, strengthens partner relationships, and provides a recurring funding base that can drive durable balance-sheet and fee income expansion.
Very Low Leverage / Capital CushionExtremely low leverage and a solid equity ratio provide a durable buffer against credit stress and allow the bank to absorb losses without immediate capital raises. This financial flexibility supports conservative growth, regulatory resilience, and ongoing investment in BaaS capabilities.
BaaS & Credit-enhanced Product TractionGrowing credit-enhanced balances plus product launches and payments traction diversify noninterest income and boost NIM. A scalable BaaS model with expanding partner pipeline supports recurring fees, cross-sell opportunities, and structural revenue diversification over multiple quarters.
Bears Say
Weak Operating And Free Cash FlowEarnings are not converting into positive operating cash or free cash flow, reducing internal funding for growth and capital needs. Persistent negative cash flow can force reliance on external funding, constrain investments, and heighten sensitivity to liquidity shocks over the medium term.
Elevated Credit Losses And NPL Migration RiskRising charge-offs and potential migration of watchlist loans to NPL can materially increase provisions, erode capital, and reduce NII if loan yields are impaired. Credit volatility creates ongoing underwriting and reserve pressure that can depress returns for multiple quarters.
Rising Noninterest Expense And Efficiency PressureHigher operating costs and an elevated efficiency ratio signal structural expense scaling issues. If costs remain elevated relative to revenue growth, margin compression can persist, requiring sustained revenue acceleration or expense control to restore long-term profitability.
FinWise News
FINW FAQ
What was FinWise’s price range in the past 12 months?
FinWise lowest stock price was $13.48 and its highest was $22.49 in the past 12 months.
What is FinWise’s market cap?
FinWise’s market cap is $220.65M.
When is FinWise’s upcoming earnings report date?
FinWise’s upcoming earnings report date is Apr 23, 2026 which is in 45 days.
How were FinWise’s earnings last quarter?
FinWise released its earnings results on Jan 29, 2026. The company reported $0.27 earnings per share for the quarter, missing the consensus estimate of $0.347 by -$0.077.
Is FinWise overvalued?
According to Wall Street analysts FinWise’s price is currently Undervalued.
Does FinWise pay dividends?
FinWise does not currently pay dividends.
What is FinWise’s EPS estimate?
FinWise’s EPS estimate is 0.35.
How many shares outstanding does FinWise have?
FinWise has 13,586,921 shares outstanding.
What happened to FinWise’s price movement after its last earnings report?
FinWise reported an EPS of $0.27 in its last earnings report, missing expectations of $0.347. Following the earnings report the stock price went down -5.095%.
Which hedge fund is a major shareholder of FinWise?
Currently, no hedge funds are holding shares in FINW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FinWise Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$20.00 (23.15% Upside)
$20.00 (23.15% Upside)
Hedge Fund Trend
Decreased
By 19.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.08%
12-Months-Change
Fundamentals
Return on Equity
8.00%
Trailing 12-Months
Asset Growth
36.36%
Trailing 12-Months
Company Description
FinWise
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers. It offers various deposit products, including interest and noninterest bearing demand, NOW, money market, and checking and savings accounts, as well as time deposits and certificates of deposits. The company also provides small business administration, residential and commercial real estate, consumer, and commercial non-real estate loans. In addition, it offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and cash management and treasury services. The company operates one full-service banking location in Sandy, Utah; and a loan production office in Rockville Centre, New York. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
FINW Company Deck
FINW Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong business momentum—notably 22% YoY originations growth, full-year net income up 26%, expanding credit-enhanced balances that boosted NII and NIM, and healthy product/partnership pipeline—while also disclosing near-term headwinds including elevated Q4 net charge-offs, higher provisions, rising noninterest expenses and a higher efficiency ratio. Management characterized the servicing-standard-related charge-offs as a prudent, largely one-time adjustment and highlighted guidance for continued organic credit-enhanced growth and stable core originations; however, risks remain from lumpiness in NPL migrations, SBA processing seasonality, and a measured ramp for payments/BIN revenue. Overall, positives around scale, margin expansion, and product traction meaningfully outweigh the near-term credit and expense noise, with a balanced but favorable forward outlook.View all FINW earnings summariesFINW Stock 12 Month Forecast
Average Price Target
$20.00
▲(23.15% Upside)
Technical Analysis
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LINKBANCORP
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Ownership Overview
18.76% Insiders
9.20% Mutual Funds
6.92% Other Institutional Investors
59.25% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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